Commuting into New York City from New Jersey, Connecticut, or Pennsylvania saves you the NYC local income tax (3.078%–3.876%) — but it adds complexity to your tax situation. You'll pay NY State tax on income earned in New York, then get a credit on your home-state tax return. The savings on rent and quality of life often justify the commute, but the tax math isn't always straightforward.
These guides cover the most common commuter scenarios: residents of New Jersey, Connecticut, Pennsylvania, and Westchester working in NYC; remote workers split between two states; partial-year residents; and the specific tax reciprocity rules between New York and neighboring states. Each guide includes after-tax take-home pay comparisons for common salaries so you can see exactly what changes when you move.